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Car Insurance Cancellation

by Tanya
(Ontario)

I recently received a notice in the mail that my car insurance is cancelled due to non payment. I called my insurance broker to make payments and reinstate. I was told that I could not do this, that I had to reapply. I was recently reading some information online that says that the insurance company is suppose to send a registered mail and give me a chance to pay my overdue payment. The insurance broker suggested that I shop around for insurance. I have done that but due to the cancellation my premiums will triple. Since I was not given the opportunity to make ammends and pay what was due, is there anything I can pursue on this matter?

Non Payment of Insurance in Ontario


Hi Tanya
Yes, you should have received a registered letter or a hand delivered letter giving you notice. Unless you have already received two notices during the policy term. So if you had warnings before, that could put it to the point where the insurer is not obligated to notify you, other than to say that the policy is going to be cancelled.

You can call the insurer directly and ask to speak with their ombudsman for more information.

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